Pros & Cons

Pros

  • +Welcome Bonus: 100 points
  • +Up to 3x on travel
  • +No foreign transaction fees

Cons

  • No purchase protection

Rewards

All Spending

1x

pts per dollar

Travel

3x

pts per dollar

Restaurants

2x

pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants2x
$300/mo
Pharmacy1x
$50/mo
Travel3x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

37,200

pts/yr

Estimated Value

$372

After Fees

+$372

1st Year Value

$373

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 3x5,400 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.24x
Total points earned37,200 pts
Value of points accumulated in the first year$372

Additional Benefits

Unlimited rewards that never expire: there's no limit to the amount of rewards you can earn, and they'll never expire as long as your account is open and in good standing. Flexible redemption options: rewards can be redeemed for cash back, statement credits, AARP memberships, gift cards, and merchandise. $0 Fraud Liability Protection: you'll never be responsible for unauthorized charges made on your account. Charitable contribution: Barclays will donate $10 to AARP Foundation for every new AARP-branded credit card account that's opened, plus 1% of all eligible electronic and telecommunications purchases made with the card, up to $1 million annually. No foreign transaction fees on international purchases. Complimentary online access to your FICO Credit Score.

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    0%

Related cards

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Barclays. All trademarks are property of their respective owners.